Step
1
Welcome To Your Home-Buying Dashboard
Please download the guide—it has everything you need to get started!
Step
2
Understanding the Bird's Eye View
1️⃣ Starting Your Journey
🏦 Get Pre‑Approved
Secure your mortgage pre-approval letter so you know your exact budget, and sellers know you’re a serious buyer.
👩💼 Partner with Erin Rose
Lean on my 17 years of Colorado real estate expertise to guide you through lender choices, neighborhoods, and timing.
🔎 Search for Homes
We’ll zero in on properties that match your must‑haves—price, style, location—and explore them via in‑person or video tours.
📄 Make Offers
With data‑driven pricing and strategic contingencies, we’ll submit offers that stand out without overpaying.
2️⃣ Diverging Paths Post‑Offer
✅ Offer Accepted
🎉 Time to celebrate! We move straight into title, inspection, and final approvals.
❌ Offer Declined
No worries—we’ll tweak our strategy, adjust price or terms, or pivot to another great property.
🔄 Offer Countered
Welcome to negotiation! I’ll handle the back‑and‑forth to secure the best possible terms.
3️⃣ Navigating Title Work
📜 Clear Title
Smooth sailing—no liens or surprises, so we can proceed on schedule.
🚧 Title Objections
If there’s a hiccup (e.g., old liens, boundary issues), we’ll resolve it with the title company before moving forward.
4️⃣ Inspection Process
🔍 Inspections Clear
A clean bill of health means you’re in great shape to close.
🛠️ Inspection Objections
Found issues? We’ll use our objection strategy to negotiate repairs, credits, or credits‑only options—protecting your investment.
5️⃣ Loan Availability Check
💰 Loan Proceeds Confirmed
Your lender verifies funds are ready, keeping us on track for your closing date.
⚠️ Loan Objections
If underwriter questions arise, I’ll collaborate with your lender to clear any roadblocks fast.
6️⃣ Final Stages Before Closing
📐 Appraisal
Ensures the home’s value aligns with our agreed-upon price, which is key for lender approval.
🛡️ Home Insurance Secured
We’ll shop or recommend policies so you’re protected from the very first day .
✅ Final Loan Approval
All financial docs in order, funds reserved—you’re officially cleared to close.
🔎 Review Closing Docs
We’ll walk through the Closing Disclosure and Settlement Statement together so there are no surprises at signing.
7️⃣ Closing & Beyond
🚪 Final Walk‑Through
One last look to confirm the home is move‑in ready.
🗝️ Closing Day
Sign the papers, transfer funds, and I'll hand you the keys to your new home!
🏠 Take Possession
Time to celebrate and start making memories in your new space.
🔄 Optional: Post‑Closing Occupancy
If you and the seller agree on a rent‑back period, I’ll negotiate terms that give you—and them—the flexibility you need for a seamless transition.
🌟 Why Work with Erin Rose?
Choosing the right agent isn’t just about signing paperwork—it’s about gaining a trusted partner who guides you every step of the way. Here’s how I bring value to your home‑buying journey:
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Market Expertise & Insights
With 17 years in Colorado real estate, I know Denver’s neighborhoods inside and out—price trends, hidden gems, school districts, walkability factors, and even air‑quality quirks.
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Tailored Search & Negotiation Strategy
I build a custom MLS feed tailored to your exact criteria, conduct in-depth neighborhood analyses, and craft offers that stand out. My “addendum magic” and CMA‑driven pricing tactics help you win without overpaying.
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White‑Glove Client Experience
From personalized video tours to 24/7 text support, I handle the details—coordinating with lenders and title companies, and resolving any issues—so you can focus on planning your move.
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Skilled Negotiator & Advocate
Whether it’s inspection repairs, appraisal gaps, or surprise HOA issues, I’m in your corner. My goal is to protect your interests, maximize concessions, and keep the process as stress-free as possible.
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Education & Transparency
You’ll always know “why” behind every recommendation. I demystify contracts, explain costs, and walk you through each document—no jargon, no surprises.
💰 For Example: How Do Commissions Work?
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Typical Commission Structure
In Colorado, the seller generally pays a percentage commission of the sale price. That fee can then be divided between the seller’s agent (listing broker) and the buyer’s agent (my brokerage). If the seller elects not to pay the buyer's commission from the proceeds, that's not a problem; you'll need to discuss with your lender the provision for paying that percentage separately at closing.
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No Up‑Front Cost to You
As a buyer, you usually don’t 'write a commission check'—but beware the semantics. Your agent’s fee typically comes out of the seller’s proceeds at closing (which you are offering in exchange for the property), so ultimately, you pay the agent by way of the purchase price. The 'how' and 'how much' are negotiable, and while agents have established fees, there is no law stating agents are entitled to any set percentage.
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Aligned Incentives
I earn a commission instead of a salary and only make my living when I successfully serve your real estate goals. That means I’m fully incentivized to negotiate the best price, terms, and protections on your behalf.
Got questions?
I'm happy to be transparent and answer all of them :)
Step
Three
Get Pre-Qualified or Pre-Approved
Your next step is to hop on a quick call with me to chat about mortgage pre‑approval or to pick the lender who fits your goals—and once you’re pre‑approved, I’ll roll out a tailor‑made home‑hunting plan and personally guide you through the best listings in your price range. Let’s get you cleared to shop so we can start touring dream homes together!
Sign the Exclusive Right to Buy Contract
As a Real Estate Agent, I specialize in helping new homebuyers navigate the Colorado Commission-approved form known as the Exclusive Right to Buy. This essential document must be signed before you can start previewing homes. I am dedicated to guiding you through every step of the home-buying process, ensuring a smooth and successful experience. With my expertise and personalized approach, I will help you find your dream home quickly. Let's embark on this exciting journey together!
The Colorado Exclusive Right to Buy Contract is a legally binding agreement between a buyer and a real estate broker that establishes the broker’s exclusive right to represent the buyer in purchasing a property. Key aspects include:
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Exclusive Representation: The broker has the sole right to represent the buyer in locating and negotiating the purchase of a property.
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Broker Compensation: Specifies how the broker will be compensated, including potential payments from the buyer or seller.
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Term and Termination: Includes a defined period for the agreement and conditions for termination.
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Obligations of the Parties: Details the duties of both the buyer and the broker, ensuring compliance with Colorado real estate laws.
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Legal Considerations: The broker must avoid conflicts of interest and adhere to legal and ethical requirements when advising the buyer.
Additionally, under Colorado real estate regulations, brokers are prohibited from negotiating an exclusive right to buy contract with a buyer who already has an unexpired exclusive agreement with another broker.
OR
Take the Online Self-Paced Home Buying Class
How To Buy a Home
Everything you need to know - and way too much more!
Ready to make your dream of owning a home a reality? Start today with Erin’s Home Buying Self-Paced Online Course! Designed to guide you through every step of the process, this course is packed with expert advice, practical tips, and easy-to-follow lessons tailored for first-time buyers.
🎓 Learn at your own pace, on your schedule
📚 Gain the confidence and tools you need to succeed
🏡 Get ready to turn your homeownership dreams into a reality
Don’t wait—your future home is closer than you think!